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What Happens If the National Flood Insurance Program (NFIP) Lapses?

Published Sep 25, 2025Updated Feb 7, 2026

The Congressional Research Service is a nonpartisan policy and legal analysis arm of the Library of Congress. CRS reports are written for members of Congress and their staff, not the public — but they’re made available openly through Congress.gov.

What Happens If the National Flood Insurance Program (NFIP) Lapses? — Informed